Piedmont Advantage CU Mastercard Credit Card

Piedmont Advantage CU Mastercard Credit Card Review

This is a card issued by Piedmont Advantage Credit Union. If you're wondering whether Piedmont Advantage CU Mastercard Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Piedmont Advantage CU Mastercard Credit Card has a fixed purchase APR that ranges from 10.9% up to 17.9%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, identity theft protection, travel accident insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Piedmont Advantage CU Mastercard Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Identity Theft Protection. Travel accident insurance. Considers applicants with fair credit. No foreign transaction fee. Piedmont Advantage CU Mastercard Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Piedmont Advantage CU Mastercard Credit Card FAQ

Does Piedmont Advantage CU Mastercard Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Piedmont Advantage CU Mastercard Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Piedmont Advantage CU Mastercard Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Piedmont Advantage CU Mastercard Credit Card has a fixed purchase APR that ranges from 10.9% up to 17.9%. The card has a fixed balance transfer APR that ranges from 10.9% up to 17.9%. It also has a fixed cash advance APR that ranges from 10.9% up to 17.9%.

What are the fees for Piedmont Advantage CU Mastercard Credit Card?

The following fees apply:

Piedmont Advantage CU Mastercard Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $20
Late Payment Fee	up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Piedmont Advantage CU Mastercard Credit Card report your account activity to credit bureaus?

Yes, Piedmont Advantage CU Mastercard Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Piedmont Advantage CU Mastercard Credit Card

• Visit the Piedmont Advantage CU Mastercard Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.